Colorado Federal Savings Bank: Savings Accounts & Rates
By Aviel Fahl
Savings rates updated: 10/16/2025
Mission statement: Banksparency aims to make Colorado Federal Savings Bank's savings accounts transparent and comparable to those of other banks. .
Note: Interest rates below are reported as APY, or Annual Percentage YieldWe earn a commission if you open an account through some links on this page.
Savings Overview
Premier Savings: 4.05% APY(Rank 32 out of 83 tracked HYSAs)
High Yield Savings: 4.00% APY(Rank 37 out of 97 savings accounts)
National Savings Interest Rate: 0.4% (as of 9/15/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Bank Overview
Location: Greenwood Village, Colorado
Founded: 1990
Access to Branches: None
BBB Rating: A+ (Not BBB Accredited)
App Store Rating: 4.7/5
Google Play Rating: N/A
Website: Visit Colorado Federal Savings Bank
Our Take on Colorado Federal Savings Bank
Highlights
- High Yield Savings offers 4.00% APY, competitive among online banks.
- No maintenance fees on both savings accounts.
- A+ BBB rating indicates strong trustworthiness.
- High Yield Savings requires only $1 to open.
Considerations
- High Yield Savings APY decreased from 4.10% in the last 30 days.
- Premier Savings requires a high minimum deposit of $50,000.
- No physical branches available for in-person banking.
- Both accounts have no direct deposit requirement, limiting some benefits.
Savings Accounts: In-Depth View
Savings Accounts Offered by Colorado Federal Savings Bank
| Feature | High Yield Savings | Premier Savings |
|---|---|---|
| APY | 4.00% (as of 10/16/2025) | 4.05% (as of 10/16/2025) |
| APY Trend | -0.10% WoW/-0.20% QoQ | -0.10% WoW/-0.20% QoQ |
| Minimum Deposit | $1 | $50,000 |
| Minimum Balance for APY | $1 | $50,000 |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | Yes |
| Bundled Account | No | No |
| Direct Deposit Required | No | No |
| Compound Frequency | Daily | Daily |
| Maintenance Fee | $0 | $0 |
| Eligibility | United States | United States |
| Sponsored Link | ||
No deposit agreement summary available for this bank. | ||
Calculate Savings for Colorado Federal Savings Bank
Total savings breakdown:
- Interest earned: $12,348.1 (16.39%)
- Total contributions: $13,000 (17.25%)
- Initial deposit: $50,000 (66.36%)
Your total balance
$75,348.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Colorado Federal Savings Bank Savings Rates Over Time
Historical APY Insights
| Metric | Premier Savings | High Yield Savings |
|---|---|---|
| Latest APY | 4.05 % | 4.00 % |
| Trend | Sideways | Sideways |
| Slope (bps/mo) | -1.8 | -1.8 |
| Rate Changes / Mo | 0.25 | 0.50 |
| Days Since Last Change | 6 | 6 |
| High (-8 m) | 4.25 % | 4.25 % |
| Low (-8 m) | 4.05 % | 4.00 % |
| Draw-down from High | -4.7 % | -5.9 % |
| Volatility (CV) | 0.013 | 0.013 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 240 days.
- Low (-8 m)
- Lowest APY in the last 240 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Compare Colorado Federal Savings Bank's Savings Accounts
- Affirm - 3.60% APY
- All America Bank - 1.50-3.25% APY
- Ally Bank - 3.40% APY
- Amalgamated Bank - 2.25% APY
- American Express - 3.50% APY
- Ameriprise Bank - 3.15-3.15% APY
- Axos Bank - 4.51% APY
- Bank5 Connect - 4.05% APY
- Bank of America - 0.01% APY
- Barclays - 3.90-4.10% APY
- Bask Bank - 4.05% APY
- Betterment - 3.75% APY
- BMO Alto - 3.25% APY
- Bread Savings - 4.20% APY
- BrioDirect - 4.20% APY
- Capital One - 3.40% APY
- Carver Bank - 4.00% APY
- Charles Schwab Bank - 0.15% APY
- Chase Bank - 0.01% APY
- Chime - 1.00-3.50% APY
- CIBC Bank USA - 3.92% APY
- CIT Bank - 0.25-3.85% APY
- Citibank - 3.40% APY
- Citizens Access™ - 3.50% APY
- ConnectOne Bank - 3.85% APY
- Customers Bank - 3.98% APY
- Discover Bank - 3.40% APY
- Elevault - 4.34% APY
- E*TRADE from Morgan Stanley - 3.75% APY
- EverBank - 4.05% APY
- Evergreen Bank Group - 4.25% APY
- First Foundation Bank - 4.10% APY
- Fitness Bank - 4.75% APY
- Flagstar Bank - 3.90% APY
- FNBO Direct - 3.00% APY
- Forbright Bank - 4.00% APY
- FVCbank - 4.10% APY
- GO2bank - 4.50% APY
- High Plains Bank - 0.23-3.82% APY
- Jenius Bank - 4.20% APY
- LendingClub - 3.20-4.20% APY
- Live Oak Bank - 4.00% APY
- Marcus by Goldman Sachs - 3.65% APY
- MutualOne Bank - 4.07% APY
- My Banking Direct - 4.20% APY
- MySavingsDirect - 3.75% APY
- Neighbors Bank - 4.50% APY
- Newtek Bank - 4.35% APY
- OMB Bank - 1.00% APY
- Openbank - 4.20% APY
- Peak Bank - 4.20% APY
- Pibank - 4.60% APY
- PNC - 3.85% APY
- Poppy Bank - 4.25% APY
- Popular Direct - 4.05% APY
- Presidential Bank - 4.00-4.50% APY
- Prime Alliance Bank - 3.90% APY
- Primis Bank - 3.85% APY
- Quontic Bank - 3.75% APY
- RBMAX - 3.90% APY
- Rising Bank - 4.10% APY
- ROGER - 3.87% APY
- Salem Five Direct - 3.81% APY
- Sallie Mae Bank - 3.90% APY
- Santander Bank - 0.01% APY
- SmartyPig - 3.90% APY
- SoFi Bank - 4.50% APY
- Synchrony Bank - 3.80% APY
- TAB Bank - 3.80% APY
- TD Bank - 0.05-2.75% APY
- The State Exchange Bank - 3.86% APY
- TIMBR - 4.40% APY
- UFB Direct - 3.76-3.96% APY
- Upgrade - 3.42% APY
- Valley Direct - 4.10% APY
- Varo Bank - 2.50-5.00% APY
- Wells Fargo - 0.05-2.51% APY
- Western Alliance Bank - 4.10% APY
- Zynlo Bank - 4.20% APY
| Feature | Colorado Federal Savings Bank | Select a bank... |
|---|---|---|
| Product | N/A | |
| APY | 4.05% (as of 10/16/2025) | N/A |
| Bundled Account | No | N/A |
| FDIC-insured | Yes | N/A |
| Online Only | Yes | N/A |
| Compound Frequency | Daily | N/A |
| Minimum Deposit | $50,000 | N/A |
| Minimum Balance for APY | $50,000 | N/A |
| Maintenance Fee | $0 | N/A |
| Direct Deposit Required | No | N/A |
Alternatives to Colorado Federal Savings Bank
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
My Banking Direct
High Yield Savings Account: 4.20% APY
Minimum Deposit: $500
Online Only
Presidential Bank
Advantage Savings: 4.50% APY
Bundled Savings & Checking Account
Minimum Deposit: $5,000
Direct Deposit: To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
Zynlo Bank
Tomorrow Savings Account: 4.20% APY
Minimum Deposit: $10
Online Only
Carver Bank
High Yield Savings: 4.00% APY
Minimum Deposit: $5,000
Online Only
Bask Bank
Interest Savings Account: 4.05% APY
Minimum Deposit: $0
Online Only
CIBC Bank USA
Agility™ High-Interest Savings Account: 3.92% APY
Minimum Deposit: $1,000
Online Only
Elevault
High Yield Savings Account: 4.34% APY
Minimum Deposit: $0
Online Only
Rising Bank
High-Yield Savings Account: 4.10% APY
Minimum Deposit: $1,000
Online Only
Forbright Bank
Growth Savings: 4.00% APY
Minimum Deposit: $0
Online Only
Bright Savings: 3.65% APY
Minimum Deposit: $250
Eligible States: Limited (see details)
Sprout Savings: 3.65% APY
Minimum Deposit: $1
Eligible States: Limited (see details)
Newtek Bank
Personal High Yield Savings: 4.35% APY
Minimum Deposit: $0
Online Only
Bread Savings
High-Yield Savings Account: 4.20% APY
Minimum Deposit: $100
Online Only
BrioDirect
High-Yield Savings Account: 4.20% APY
Minimum Deposit: $5,000
Online Only